Funding and Investment Partners in St Albans
If you lend to or invest in residential development and are interested in sites in St Albans, Land to Homes is open to a conversation. We discuss funding with development lenders, institutional partners and landowners considering a joint venture. Any arrangement is agreed privately, with each party taking its own legal, tax and financial advice. This page is not an offer.
St Albans · AL1Start a conversation
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Prefer to talk? Call 0800 088 6248.
- Private conversationsEvery arrangement documented
- Land to homesLand, planning and construction
- Housing partnersCouncils and housing associations
- No public offerNothing here is an offer to invest
- UK-wideEngland, Wales, Scotland and NI
Working together in St Albans
In Hertfordshire, St Albans lies about 7 miles north of Watford; its central postcode district is AL1. Close by, our coverage also takes in Harpenden, Hatfield and Hemel Hempstead. St Albans is in the East of England region of England.
Around St Albans, we can talk to partners about social rent homes, forward-funded build to rent and joint ventures with landowners. Planning in St Albans follows England’s rules: the National Planning Policy Framework sets national policy and the council’s Local Plan sets local policy.
To discuss a scheme near St Albans, call us or send a short note about the opportunity.
How we work in St Albans
Advice from your own advisers
We do not give legal, tax or financial advice. Every party should take independent advice before entering into any agreement with us.
Part of the S&K Group
Land to Homes is part of the S&K Group, a Birmingham-based construction and property group whose businesses include glazing, building supplies and property improvement.
Equity partners
Institutional partners can discuss forward funding or forward purchase of specific schemes, agreed privately and documented by each party's own advisers.
Landowner co-investment
A landowner can keep an interest in their land through a joint venture rather than selling outright, with the terms set out in a written agreement.
How the rules work in St Albans
Selling development land in St Albans usually starts with heads of terms, a short written summary of price, conditions and fees, before solicitors draft the contract. In England the sale becomes binding on exchange of contracts and finishes on completion, with the title then registered at HM Land Registry. The buyer normally pays Stamp Duty Land Tax. On option and promotion agreements with Land to Homes, your reasonable legal fees are covered, with the amount agreed in the heads of terms.
In England, land purchases usually attract Stamp Duty Land Tax, and lenders take a legal charge registered at HM Land Registry. Scheme appraisals must allow for Section 106 obligations, the Community Infrastructure Levy where charged, and biodiversity net gain. Homes England is the government's housing and regeneration agency and runs public funding programmes for housing.
| National planning policy | National Planning Policy Framework (NPPF), revised August 2026, with national planning practice guidance |
|---|---|
| Who decides applications | The local planning authority, usually the district, borough, city or unitary council (or a national park authority) |
| Land registration | HM Land Registry |
| Developer contributions | Section 106 planning obligations, plus the Community Infrastructure Levy (CIL) where the council charges it |
Your questions answered for St Albans
How is forward purchase different from forward funding?
With forward funding, the investor pays for the land and construction as the scheme is built. With forward purchase, the investor commits to buy the completed homes, but the developer arranges construction finance in the meantime. The choice affects risk, cost and timing for both parties, so each takes its own advice before agreeing terms.
Do public bodies fund housing development?
Public bodies support housing delivery in each nation, for example Homes England, the government's housing and regeneration agency in England, and the Development Bank of Wales, which offers property development lending. Grant for affordable housing usually goes to councils and registered providers rather than developers. We describe these bodies for context; each has its own criteria.
Can I invest in Land to Homes?
Nothing on this site is an offer or invitation to invest, and we do not take investment, loans or deposits from members of the public. We discuss funding privately with development lenders and institutional partners on specific schemes. If you are a professional party with an interest in residential development, you can contact us to start a conversation.
What information do funding partners usually review?
Partners usually review the site title, the planning position, the scheme appraisal, the build programme, the construction approach, the plan for selling or letting the homes and the developer's background. Each carries out its own due diligence, often with valuers, monitoring surveyors and solicitors. We share site-specific information under confidentiality where appropriate.
Do you work with partners on schemes in St Albans?
Yes. We discuss schemes in St Albans and elsewhere in Hertfordshire, including Harpenden, Letchworth Garden City and Hemel Hempstead privately with professional partners. Nothing on this website is an offer or invitation to invest.
Read more: Funding and Investment Partners · Guide: Buying a new-build home: what to expect from reservation to keys